During the finish rolling process of non-oriented electrical steel, the transformation from austenite to ferrite will occur. The uneven temperature along width and thickness direction will lead to the difference of phase transformation. Meanwhile, the latent heat accompanying transformation will affect the distribution of temperature. Due to the high-temperature deformation characteristic in dual-phase region is exactly opposite to that in single-phase region, the transformed fraction should be considered in the calculation of roll force. In order to make up for the deficiency of the traditional roll force prediction model. The transformation kinetics model, latent heat model and deformation resistance model for different phase regions which are established in our past work are adopted. The online prediction model of roll force of non-oriented electrical steel considering Temperature-Transformation-Roll force coupling effect are eventually obtained by taking the above basic models into the temperature model based on two-dimensional alternating difference method, which is able to calculate the distribution of temperature field and phase field and predict the roll force of each stand in different phase regions. After comparison and verification, the prediction errors of finish rolling temperature can be controlled within 10°C by new model proposed. The position of transformation is consistent with the abnormal wave observed. The proportion of rolled coils whose prediction error over 10% is decreased from 37.1% to 8.5% and the proportion of rolled coils whose prediction error less than 5% is increased from 15.8% to 41.2%. The computing time is only 68 ms which proves the feasibility of online application.